Identity theft is a situation that can happen to any of us. For example, the criminal who has taken over your personal data may take out a loan for it. It is not difficult, as the necessary funds can be obtained online by completing the appropriate form. If the loan company fails to exercise caution when granting the loan, the funds may end up in the hands of the fraudster who uses the stolen data. What to do in that case? Here are some handy tips to help us solve this problem.
How can we expose ourselves to identity theft and how to counteract it?
Identity theft usually occurs when our ID card data falls into the wrong hands. To take out a loan, data such as name and surname, PESEL number and ID number are sufficient. Leakage of this type of data usually occurs when we provide a third party with a photocopy of our ID card. You should never agree to this, and if necessary, let it only be available for inspection. You should also not scan your ID card and send such a document, for example, by email or via social media. Unfortunately, there are also situations that we have no influence on, such as stealing data from the database in which information contained in the identity card is stored or its loss along with other documents.
What to do if someone took a loan in our name?
We usually find out about such a situation when a debt collection company or bailiff contacting us wants to recover the debt. This situation should never be ignored. Instead, we should report it to the relevant authorities. First, report to the nearest police department or prosecutor’s office to report identity theft and take a loan in our name. A notification is then made of the suspected offense.
In addition, you will also need to go to a bank or loan company where you incurred the debt. If a bailiff’s enforcement or debt collection procedures have been initiated, it is also worth informing the bailiff and the debt collection company. The documents should be submitted in writing with an acknowledgment of receipt – this will constitute a confirmation of their transmission.
If you do not want to re-use a document that has been used for identity theft, you must also reserve it and apply for a new one.
The procedure is done with one click, without leaving home.
If we want to make sure that no one took a loan in our name, it is worth downloading a free report from the Credit Information Bureau about us once every six months. Regularly monitoring the situation, we can respond even before receiving a request for payment and report the case to law enforcement.